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CMURC Employee Benefits Overview

For New Hires & Current Employees

Welcome to your CMURC benefits program. This page is designed to help you review and understand your full benefits package, take action when needed, and access additional resources such as frequently asked questions.

To view detailed coverage information, click on the name of each medical, dental, or vision plan listed below. For new hires, enrollment options are available after reviewing each plan, allowing you to enroll in or decline coverage. If you are applying for additional benefits, such as short-term disability, downloadable forms are provided within the appropriate sections of this page.

For common questions, please refer to the FAQ section below. CMURC leadership and authorized designees may also use the Leadership Only section at the bottom of this page to submit employee updates to EverythingHR.

Eligibility

Benefits are available to:

Full-time employees (exempt and non-exempt)
Employees meeting eligibility waiting periods

Coverage begins on the first of the month following eligibility.

Benefits become available 30 days after employment
Coverage begins the first of the month following eligibility

Important Plan Timing

Medical, Dental, Vision Premiums: Dec 1 – Nov 30
Deductibles & Out-of-Pocket: Calendar Year (Jan 1 – Dec 31)
Life & Disability Plans: July 1 – June 30

Medical, Dental & Vision Coverage

CMURC offers comprehensive health coverage through:

Blue Cross Blue Shield of Michigan (BCBSM)
Blue Care Network (BCN)
Delta Dental
Delta Vision

How to Review Plan Details

Click on the plan names below to view detailed information about coverage, costs, and provider networks.

Telehealth – Included at No Cost

All employees and their families receive access to telehealth services:

$0 deductible
$0 copay
$0 visit cost
Unlimited access

This benefit is:

100% employer-paid
Automatically provided (no enrollment required)

The Hartford – Life & Disability Benefits

CMURC provides employer-paid and voluntary benefits through The Hartford to support financial security and income protection.

Short-Term Disability (STD)

Effective: Immediately upon hire
Provides income replacement for short-term medical conditions

Employee Action Required

Employees who wish to apply for Short-Term Disability must:

Complete the required application
Submit the form for approval

Download Short-Term Disability Application Form

Long-Term Disability

(LTD)

Eligibility: 30 days after employment
Employer pays 100% of the core premium

Provides income protection for extended illnesses or injuries that prevent you from working.

Life & Accidental Death & Dismemberment (AD&D)

Employer-Paid Coverage

1x base salary (up to $750,000)
Fully paid by CMURC

Additional Options

Employees may elect to:

Increase life insurance up to 4x salary
Purchase dependent life coverage
Add supplemental AD&D coverage

Cost Sharing

CMURC pays 75% of employee medical premiums
Employees pay 25% (pre-tax payroll deduction)
Dependents may be added at the employee’s cost

Payroll and Deductions

Employees are paid bi-weekly via direct deposit
Benefit premiums are deducted pre-tax from each paycheck

New Hire Enrollment Instructions

After reviewing each plan:

Click the “Enroll” button to select your medical, dental, and vision coverage
If you do not wish to enroll, you must select “Decline Coverage”

Timely enrollment ensures your benefits begin as scheduled.

Retirement Benefits – 401(k)

Eligibility: After 1 year of employment
CMURC matches 100% of employee contributions up to 10%

Key Features

Pre-tax payroll deductions
Minimum contribution begins at 1%
3-year cliff vesting schedule

Paid Time Off & Holidays

Paid Time Off (PTO)

Accrued annually:

Year 1: Up to 80 hours
Year 2: Up to 120 hours
Year 3: Up to 160 hours
Up to 80 hours may be carried over annually

Paid Holidays

New Year’s Day
Memorial Day
Independence Day
Labor Day
Thanksgiving Day
Christmas Day

Additional Employee Benefits

Bereavement Leave: Up to 3 paid days
Jury Duty: Paid for scheduled work hours
Military Leave: Approved unpaid leave
Banking: Direct deposit available
FMLA: Not applicable based on company size

Need Help?

If you have questions or need assistance call 248.983.5477 Ext 3000 or click on the green contact us button below.

Blue Cross Blue Shield and Blue Care Network Medical, Dental & Vision

2025 BCN Fixed Cost Gold Option 1 W/Expanded Abortion

The Fixed Gold Option 1 plan offered by Blue Care Network of Michigan is a health maintenance organization (HMO) plan designed for individuals and families who value comprehensive coverage with stable, predictable out-of-pocket costs. This plan emphasizes fixed copayments for many services, making it an attractive option for members who want clarity and consistency in their healthcare expenses.

A key feature of the Fixed Gold Option 1 plan is its strong focus on preventive care, which is covered at 100% without requiring a deductible. Covered preventive services include routine physical exams, immunizations, screenings, and other preventive services, helping members stay proactive about their health and avoid more costly care later.

Members are required to select a primary care physician (PCP) within the Blue Care Network provider network. The PCP coordinates care and provides referrals to specialists as needed, ensuring an organized and efficient approach to managing healthcare services. This coordinated care model supports continuity of care and better health outcomes.

The plan provides coverage for a broad range of medical services, including office visits, emergency care, hospitalization, mental health services, and prescription drugs. With fixed copayments for many common services, members can more easily budget for healthcare costs while still receiving robust coverage.

In addition, members have access to Blue Care Network’s wellness programs and digital tools, which support health education, care management, and overall wellness.

Fixed Gold Option 1 is well suited for individuals and families seeking comprehensive benefits, predictable costs, and a coordinated care experience within a trusted provider network, making it a strong choice for those who prefer financial consistency alongside quality healthcare coverage.

2025 Blue Elect Plus HSA POS Gold Option 1

The Blue Elect Plus HSA POS Gold Option 1 plan offered by Blue Care Network of Michigan is a point-of-service (POS) health plan designed for individuals and families who want comprehensive coverage, flexibility in provider choice, and the ability to pair their coverage with a Health Savings Account (HSA). This plan combines the security of a Gold-level benefit design with the tax advantages of HSA eligibility.

One of the key features of the Blue Elect Plus HSA POS Gold Option 1 plan is its emphasis on preventive care, which is covered at 100% when services are received in-network and does not require the deductible to be met. Preventive services include routine physical exams, immunizations, screenings, and other preventive care designed to support long-term health and early detection.

This plan offers flexibility through its POS structure. Members are encouraged to select a primary care physician (PCP) within the Blue Care Network to help coordinate care, but the plan also allows access to out-of-network providers at a higher cost. This flexibility can be especially valuable for members who want more choice while still benefiting from lower in-network costs.

Coverage includes a wide range of medical services such as office visits, specialist care, emergency services, hospitalization, mental health services, and prescription drugs. Once the deductible is met, the plan provides predictable cost-sharing through coinsurance, helping members manage expenses for more significant medical needs.

In addition, the plan is HSA-compatible, allowing members to contribute pre-tax dollars to a Health Savings Account to help pay for qualified medical expenses now or in the future. Members also have access to Blue Care Network’s wellness programs and digital tools that support health management and informed decision-making.

Blue Elect Plus HSA POS Gold Option 1 is ideal for individuals and families seeking comprehensive Gold-level coverage, provider flexibility, and the long-term savings advantages of an HSA, all within a plan that supports both immediate care needs and future financial planning.

2025 BCBS Simply Blue℠ PPO Gold Option 1 w/ Expanded Abortion

The Simply Blue℠ PPO Gold Option 1 w/ Expanded Abortion plan offered by Blue Cross Blue Shield of Michigan is a preferred provider organization (PPO) plan designed for individuals and families who want comprehensive Gold-level coverage, broad provider flexibility, and enhanced reproductive health benefits. This plan provides a balance of predictable costs and extensive medical coverage, making it suitable for members who value choice and robust benefits.

A key feature of this plan is its coverage for preventive care, which is covered at 100% when received in-network and does not require the deductible to be met. Preventive services include annual physical exams, immunizations, screenings, and other routine preventive care that support early detection and long-term health.

As a PPO plan, members may visit both in-network and out-of-network providers without needing referrals. In-network services offer the lowest out-of-pocket costs, while out-of-network access provides added flexibility for members who prefer a wider choice of healthcare providers.

The plan covers a broad range of medical services, including primary and specialty care, emergency services, hospitalization, mental health services, and prescription drugs. Cost-sharing is structured to provide predictability and support access to care for both routine and more complex medical needs.

This option includes expanded abortion coverage, in accordance with applicable state and federal regulations, offering additional reproductive health benefits beyond standard coverage. Members also have access to digital tools, wellness resources, and care management programs provided by Blue Cross Blue Shield of Michigan to support informed healthcare decisions and overall well-being.

Simply Blue℠ PPO Gold Option 1 w/ Expanded Abortion is ideal for individuals and families seeking comprehensive Gold-level benefits, provider flexibility, and enhanced reproductive health coverage, within a plan that supports both immediate healthcare needs and long-term wellness.

2025 Simply Blue℠ HSA PPO with Rx SG

The Simply Blue℠ HSA PPO with Rx SG plan offered by Blue Cross Blue Shield of Michigan is a preferred provider organization (PPO) plan designed for individuals and families seeking affordable coverage, broad provider access, and the tax advantages of a Health Savings Account (HSA). This plan balances lower premiums with comprehensive medical and prescription drug coverage, making it a practical choice for members who want flexibility and cost control.

A core feature of the Simply Blue℠ HSA PPO with Rx SG plan is its emphasis on preventive care, which is covered at 100% when received in-network and does not require the deductible to be met. Preventive services include annual physical exams, immunizations, screenings, and other routine preventive care that support early detection and long-term health.

As a PPO plan, members have the freedom to visit providers both in-network and out-of-network without needing referrals. While in-network services offer the lowest out-of-pocket costs, the ability to access out-of-network providers provides added flexibility for members who want broader choice in their healthcare providers.

The plan covers a wide range of services, including primary and specialty care, emergency services, hospitalization, mental health services, and prescription drugs. After meeting the deductible, members share costs through coinsurance, helping manage expenses for more significant medical needs.

This plan is HSA-compatible, allowing members to contribute pre-tax dollars to a Health Savings Account to pay for qualified medical expenses, both now and in the future. Members also have access to digital tools, wellness resources, and care management programs provided by Blue Cross Blue Shield of Michigan to support informed healthcare decisions and overall well-being.

Simply Blue℠ HSA PPO with Rx SG is well suited for individuals and families who want flexible provider access, lower monthly premiums, and long-term savings potential through an HSA, while maintaining reliable coverage for both routine and unexpected healthcare needs.

Delta Dental and Vision

2026 Delta Vision

The Delta Vision plan, offered by Delta Dental, provides comprehensive vision care coverage to its members. This plan is designed to help individuals and families reduce the cost of routine eye care and prescription eyewear. Members of the Delta Vision plan have access to a broad network of optometrists and ophthalmologists, ensuring that finding a provider is both easy and convenient.

Key features of the Delta Vision plan include coverage for annual eye exams, which often come with a low co-pay, making regular check-ups affordable. The plan typically covers a significant portion of the costs for prescription glasses and contact lenses, with specific allowances for frames and lenses provided on an annual basis.

Additionally, the Delta Vision plan may offer discounts on elective vision correction surgery, such as LASIK, as well as special rates on additional pairs of eyeglasses or enhancements like progressive lenses and anti-reflective coating. Members can also benefit from out-of-network coverage options, although utilizing in-network providers maximizes the benefits.

Delta Vision emphasizes not only the importance of vision care as part of overall health but also strives to make managing vision care benefits straightforward through user-friendly online tools for checking coverage details, finding providers, and submitting claims. This plan is an excellent choice for those who value both the health of their eyes and the clarity of their vision.

The Delta Dental of Michigan Group PPO Plan is designed to offer comprehensive dental coverage to groups and organizations, providing a broad range of dental services at affordable rates. As a Preferred Provider Organization (PPO) plan, it offers flexibility in choosing dentists and dental specialists either within or outside Delta Dental’s extensive network, with greater savings occurring when in-network providers are used.

Key features of the plan include preventive care such as cleanings, exams, and x-rays.

2026 Delta Dental

The Delta Dental of Michigan Group PPO Plan is designed to offer comprehensive dental coverage to groups and organizations, providing a broad range of dental services at affordable rates. As a Preferred Provider Organization (PPO) plan, it offers flexibility in choosing dentists and dental specialists either within or outside Delta Dental’s extensive network, with greater savings occurring when in-network providers are used.

Key features of the plan include preventive care such as cleanings, exams, and x-rays, which are typically covered at no cost or for a low copayment, encouraging regular dental visits. The plan also covers a substantial portion of more extensive procedures like fillings, crowns, bridges, and orthodontic treatments, with varying degrees of coverage depending on the procedure.

The Delta Dental of Michigan Group PPO plan is structured to minimize the out-of-pocket expenses for its members while maximizing their choice and control over their dental care. This includes competitive deductibles and maximum benefit limits that ensure members can receive the dental care they need without undue financial burden.

Additionally, members benefit from the simplicity and convenience of the plan. This includes easy access to claims and coverage information online, straightforward billing, and customer service support aimed at resolving questions and helping members make the most of their benefits.

Frequently Asked Questions (FAQ)

When do my benefits begin?

Benefits become available 30 days after employment, with coverage beginning on the first of the month following eligibility.

How do I enroll in my benefits as a new hire?

After reviewing each plan, click the “Enroll” button to select your medical, dental, and vision coverage.
If you do not wish to enroll, you must select “Decline Coverage.”

Where can I find details about each plan?

You can view detailed coverage information by clicking on the name of each medical, dental, or vision plan listed on this page.

How much does CMURC pay toward my benefits?

CMURC pays 75% of employee medical premiums, and employees are responsible for the remaining 25% through pre-tax payroll deductions.

Can I add family members to my coverage?

Yes. Dependents may be added to your medical, dental, and vision plans; however, the employee is responsible for the full cost of dependent coverage for these benefits.

CMURC provides 100% employer-paid telehealth coverage for employees and up to six (6) dependents, at no cost to you.

How are my benefit premiums paid?

Premiums are deducted pre-tax from your bi-weekly paycheck.

What happens if I do not enroll in benefits?

If you choose not to enroll, you must actively select “Decline Coverage.”
Failure to make a selection may delay or impact your ability to enroll until the next eligibility period.

Is telehealth included in my benefits?

Yes. All employees and their families receive telehealth services at no cost, including:

$0 deductible
$0 copay
Unlimited virtual visits

How do I apply for Short-Term Disability (STD)?

Short-Term Disability requires a separate application.
Please download the form provided in the Life & Disability Benefits section and submit it for processing.

When am I eligible for the 401(k) plan?

Employees are eligible for the 401(k) plan after one year of employment.
CMURC matches 100% of contributions up to 10%.

What should I do if I experience a life or employment change?

If you experience a qualifying life event (such as marriage, birth, or change in employment status), please contact EverythingHR for guidance on your benefit options.

Who do I contact if I need help with my benefits?

If you have questions or need assistance:

📞 Call: 248.983.5477 Ext 3000
📧 Email: support@everythinghrfs.net

Or use the Contact Us button on this page.

Why do I see a “Leadership Only” section?

The Leadership Only section at the bottom of this page is intended for CMURC leadership and authorized designees to submit employee updates to EverythingHR. Employees do not need to take action in this section.

For CMURC Leadership Only

If you are part of CMURC leadership or an authorized designee, please use the password-protected button below to submit updates for new hires, terminations, and employee status changes to EverythingHR.

This section is intended for CMURC leadership and authorized designees only. If you need access or have forgotten the password, please contact EverythingHR.